State Fund Insurance Agency
100 Summer Street, Suite 1601, Boston, MA 02110
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Boston households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
100 Summer Street, Suite 1601, Boston, MA 02110
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123 Beach St, Boston, MA 02111
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200 Lincoln St, Unit 001, Boston, MA 02111
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535 Boylston Street, Boston, MA 02116
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535 Boylston St 8th, Flr, Boston, MA 02116
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535 Boylston Street, Boston, MA 02116
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Learn about insurance coverage options specific to Boston residents.
Boston homeowners insurance averages $1,960-$2,271/year. Learn about brownstone coverage, nor'easter protection, flood zones, and ways to save.
Home InsuranceBoston home insurance costs $1,771-$2,271/year. Learn about replacement cost coverage, historic home requirements, and row house insurance needs.
Car InsuranceBoston drivers pay $2,937/year for car insurance—$507 above MA average. Learn why rates are so high and how to save with telematics and smart shopping.
Car InsuranceBoston car insurance costs 18% more than MA average. Learn about no-fault coverage, new 2025 requirements, and how to save with 26 local agencies.
General Insurance EducationNavigate Boston's expensive insurance market. Get the facts on no-fault auto, historic home coverage, flood risks, and business requirements in the Hub.
Car InsuranceBoston car insurance costs $2,937/year on average. Learn why rates are high, what coverage you need for winter & theft, and how to save money.
Boston homeowners pay an average of $1,960 to $2,271 per year for homeowners insurance, which is higher than the Massachusetts state average of around $1,777. Specific neighborhoods like East Boston ($2,153/year) and South Boston ($2,092/year) tend to have even higher rates due to waterfront exposure and flood risk.
Yes, historic brownstones typically require specialized coverage including ordinance or law coverage and guaranteed replacement cost coverage. These additions protect you from the high costs of meeting current building codes during repairs and ensure full coverage for expensive historic restoration work, which can involve hard-to-find craftsmen and specialty materials.
Wind damage from nor'easters is covered by standard homeowners insurance, though you may face a wind or named storm deductible of 1% to 5% of your home's value. However, flood damage from storm surge is not covered—you need separate flood insurance for that. Ice dam damage is typically covered if water enters through the roof.
Flood insurance in Boston averages $640 per year through the National Flood Insurance Program, though waterfront properties can cost significantly more depending on elevation, distance to water, and replacement cost. Coverage maxes out at $250,000 for buildings and $100,000 for contents under NFIP, so high-value waterfront properties may need private flood insurance to supplement.
A named storm deductible is a special, higher deductible that applies when damage is caused by a hurricane or named storm. In Massachusetts, these deductibles typically range from 1% to 5% of your home's insured value, meaning you could pay $5,000 to $15,000 out of pocket on a $300,000 policy before insurance coverage begins.
You can reduce costs by bundling home and auto insurance (15-25% savings), installing monitored security and fire systems (5-20% discount), raising your deductible, updating old electrical and plumbing systems, and maintaining good credit. Shopping around among multiple insurers is essential since rates vary significantly for identical coverage.
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